Credit counseling agencies in Philadelphia.
Get help from Philadelphia area based non-profit credit counseling organizations or counselors that offer remote services in the area. The organizations can help people who are behind on their bills, who need guidance with their finances, or who are struggling with paying debts. Either free or low cost help is provided and find a debt or credit counseling agency in the Philadelphia area.
The non-profits cover the entire region - Bucks, Chester, Montgomery and Philadelphia County. The agencies administer programs that can help consumers with consolidating their debts, paying off a car loan, improving FICO scores, creating a budget and more. Counselors from these centers can offer clients a number of solutions to tackle these issues.
Each agency will offer their own programs, with some possible overlap between centers. Some of the services that are in the highest demand include debt management plans for credit cards, mortgage counseling, and help in negotiating interest rates. The non-profits also help people with overall financial literacy, which ranges from budgeting to even things such as how to build savings on a limited income. The leading non-profits are below.
Free or low cost debt and credit counselors in the Philadelphia area
Clarifi (often called Consumer Credit Counseling Service of Delaware Valley)
These locations, also known as CCCS, serve as Credit Counseling Centers for all across the Philly area, including Bucks and Chester counties. Counselors can offer free financial services to individuals facing bankruptcy or that are behind on debt (medical, credit card, personal loans, etc.). The staff can also help Philadelphia families deal with mounting credit card debts, or support those in need of budget assistance. There are also tips on helping people review and improve credit scores.
- The main location, “Center City”, is 1635 Market St, Philadelphia, PA 19103. Phone (215) 563-5665
- NE Philadelphia office is at Catholic Social Services, 7340 Jackson Street, Philadelphia, PA 19136
- HOPE Empowerment center, which combines financial literacy programs with debt relief and more, is at 325 N 39th St, Philadelphia, PA 19104
- Another location is the Helen Brown Community Center at 1845 N. 23rd St, Philadelphia, PA 19121
Credit Counseling Center
The locations operate a credit counseling organization that offers services including budgeting classes. Free or low cost credit repair and housing counseling as well as other debt relief services are available to clients. A main focus in on offering debt management, settlement and credit education programs throughout the SE portion of Pennsylvania. The locations of Consumer Credit Counseling Services are at the following.
- 832 2nd Street Pike, Richboro, PA 18954. Call (215) 348-8003
- A third office is at 11 Weldon Dr, Doylestown, PA 18901, or call (215) 348-8003
Montgomery County Community Action Development Commission (CADCOM)
Address - 113 East Main Street, Norristown, PA, 19401. Phone number is (610) 277-6363
The center offers a number of programs, including financial literacy workshops and tips on negotiating debt - whether credit card or a car loan. Counselors from the non-profit set up one-on-one counseling sessions and workshops in order to help clients understand credit issues. Or find other help from Montgomery County Community Action Development Commission (CADCOM).
- Classes and workshops that are open to the public may be able to offer general overview. Get support in repairing and maintaining good credit scores or even on how to get a second chance savings-checking account. In addition, clients of the non-profit can learn when and how to make timely payments on monthly bills, including credit card and medical debt. Credit issues and FICO reports are discussed with clients.
Financial Empowerment Centers (FEC)
The city has several locations that help residents. A wide variety of free services are provided by the government. They help people open a banking or saving account, provide enrollment into debt settlement programs, help families build credit and more. The Philadelphia city government runs them in partnership with local colunteers and more details are here. https://www.phila.gov/services/payments-assistance-taxes/financial-services-for-residents/get-free-financial-counseling/.
Philadelphia Legal Assistance and the Consumer Bankruptcy Assistance Project
718 Arch St Ste 300N, Philadelphia, PA 19106. Call (215) 981-3800
The volunteer lawyers administer a Debt Counseling Program. The center also provides Chapter 7 bankruptcy representation and debt counseling for Philadelphia families who meet income eligibility guidelines.
United Communities Southeast Philadelphia
2029 S. 8th Street, Philadelphia, Pennsylvania, 19148. Main number is (215) 468-1645
Focuses on dealing with housing issues, foreclosure prevention, and similar needs. Specialists can assist with home purchasing and also help prevent a foreclosure. Also get assistance with applying for other public assistance programs that assist with Energy Assistance bills. Tax issues can also be dealt with, as the non-profit provides assistance to homeowners who are behind on their property taxes to get access to an affordable plan to solve the mortgage or property tax delinquency situation.
Affordable Housing Centers of Pennsylvania
Address: 846 N Broad St, Philadelphia, PA 19130. Phone (215) 765-1221
Free credit counseling is arranged with their housing services.
Congreso de Latinos Unidos
Address is 216 W Somerset St., Philadelphia, PA, 19133. Phone number (215) 763-8870
Services include credit as well as debt counseling. They also help vulnerable people, such as immigrants or seniors, avoid predatory lenders. All financial support is offered in Spanish and English.
Operation Hope - Philadelphia
1625 Market St, Philadelphia, PA 19103. Phone (267) 768-8840
Financial education workshops and money management sessions are offered on topics including basics of banking and saving, budgeting, opening a bank account, and credit repair. Trained volunteers as well as highly trained credit counselors hold the classes.
Wings for Success
Location is 345 Scarlet Road, Kennett Square, PA 19348. Phone (610) 644-6323
The non-profit helps women in Chester County and Philadelphia. Everything from financial literacy classes for women to job programs are provided.
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